Search results for "finance"
131 results found
Finance
Bellway Shares Slump 18% as Iran War Tears Up Housing Market Outlook
The housebuilder's profit warning cited the collapse in mortgage market confidence as oil-driven inflation rev…
Finance
Bank of England Holds Rates at 4.5% as Iran War Reverses Cut Timeline
The Monetary Policy Committee paused its easing cycle after the oil shock pushed inflation back above comforta…
Finance
13 Million Britons Living in Relative Poverty — Half a Million More Than Previous Year
New ONS data shows the number of people below the poverty line increased despite the expansion of support meas…
Finance
Bank of England Set to Cut Rates to 4% in June as Inflation Hits Target
Markets price an 85% chance of a June cut after inflation data undershot forecasts, raising hopes of mortgage …
Finance
ISA Allowance 2026-27: Full Guide to Tax-Free Savings and Investing
The annual ISA allowance remains at 20,000 pounds. Here is how to use it effectively for savings, investing or…
Business
London vs Manchester: The Battle for Britain's Second Business Capital
As major companies expand or relocate to Manchester, National Herald examines whether the Northern city is gen…
Finance
How to Start Investing in the UK: A Complete Beginner's Guide for 2025
With inflation eroding savings, more Britons are turning to investing for the first time. National Herald's de…
Technology
Best AI Tools for UK Workers and Businesses in 2026: What Actually Works
AI tools are everywhere but most underdelivers on their promises. Here is National Herald's honest guide to wh…
UK News
Best Used Cars in the UK Under £10,000 in 2026
The best second-hand cars available in the UK for under £10,000 in 2026 — reliable, economical, and worth the …
Finance
How to Pay Off Your Mortgage Faster in 2025 — Strategies That Actually Work
With mortgage rates still elevated, overpaying even small amounts can save thousands over the life of a loan. …
Finance
Interview: The Bank of England's Chief Economist on What Comes Next
An in-depth National Herald investigation into interview.…
Finance
Best Savings Accounts UK 2026: Top Rates for Easy Access and Fixed Bonds
Savings rates remain elevated compared to recent history. Here are the best options available right now and ho…
Finance
Interest Rate Cuts Are Coming — But Will They Actually Help?
National Herald analysis and reporting on interest rate cuts are coming — but will they actually help?.…
Economy
How to Save Money on Your Supermarket Shop in 2025 — Expert Tips
Food prices remain significantly higher than before 2021. National Herald's practical guide to reducing your g…
Finance
How to Navigate a Recession: Practical Advice for British Households
An in-depth National Herald investigation into how to navigate a recession.…
Finance
Best UK Savings Accounts 2026: Where to Put Your Money Right Now
With the Bank Rate still above 3.5%, UK savers are earning more than they have in 15 years. National Herald co…
UK News
How to Make Your UK Home More Energy Efficient — Government Grants and DIY Fixes
Grants of up to £7,500 are available for UK homeowners to improve energy efficiency. National Herald's guide t…
Finance
Buy-to-Let Landlords Selling at Record Rate as Sector Faces Multiple Pressures
Higher mortgage rates, increased regulatory requirements and tax changes have created an unprecedented wave of…
Finance
Buy Now Pay Later Regulation Takes Effect as FCA Clamps Down on Consumer Credit
New Financial Conduct Authority rules require affordability checks and clearer disclosure for the deferred pay…
Economy
Cost of Living April 2026: Energy Bills Fall but Rents Hit New Record High
The latest data shows a clear divergence: homeowners are feeling the cost of living pressure ease while renter…
Economy
Cost of Living 2026: How UK Household Budgets Have Changed in the Past Year
Real wages are rising and inflation is near target, but the cumulative damage of four years of elevated prices…
Business
British Banking in 2025: Digital Challengers vs Established Giants
Monzo, Starling and Revolut have transformed what consumers expect from financial services — forcing the high …
Finance
Buy-to-Let in 2025: Is the Golden Age Over?
Rising mortgage costs, new regulations, and a changing tax environment are forcing landlords to reassess their…
UK News
Britain's Housing Crisis: The Full Story Behind the Headlines
The UK has one of the least functional housing markets among advanced economies. Understanding why requires lo…
UK News
Britain's Water Companies: How Did It Come to This?
Record sewage spills, collapsing infrastructure, and enormous executive pay. The case for reform of England's …
Economy
Britain's Productivity Puzzle: Why We Work More and Earn Less Than Our Rivals
UK productivity has flatlined for fifteen years. Fixing it is the only route to sustainable growth.…
Finance
City of London Post-Brexit: Challenges and Resilience
A National Herald deep-dive into city of london post-brexit.…
Environment
Britain's Water Hosepipe Bans: What to Expect in Summer 2025
With groundwater levels below average and reservoirs at 70% capacity, water restrictions may return this summe…
Finance
Child Benefit 2026: New Rates, the High Income Charge Explained
Child Benefit rose in April 2026. National Herald explains the new weekly rates, how the High Income Child Ben…
UK News
Britain's Hidden Gambling Addiction: The Crisis Behind Closed Doors
An estimated 2.5 million Britons are problem gamblers. National Herald investigates the scale of the crisis an…
Analysis
Child Poverty in Britain: The Shocking Scale and the Policies That Could Change It
4.3 million children in the UK are living in poverty. National Herald examines the data, the causes, and the p…
Finance
Council Tax Bills Cross £2,400 Average After Full 5 Percent Rises
Households across England face their highest council tax bills in history as authorities applied the maximum p…
Economy
Food Bank Demand Remains Double Pre-Pandemic Levels Despite Easing Inflation
The Trussell Trust reported continued high demand at its network of food banks, with the Iran war energy shock…
Finance
Cost of Living Update: April 2026 Changes That Will Affect Your Household Budget
A comprehensive guide to the changes in bills, benefits and wages that took effect from April 2026 and how the…
Finance
Energy Bills Set for Further Rise as Gas Prices Remain Elevated Post-Ceasefire
Ofgem's price cap is expected to remain well above pre-war levels even if the Iran ceasefire holds, prolonging…
UK News
Everything You Need to Know About the UK Driving Licence Changes in 2025
New rules covering electric vehicles, medical declarations, and provisional licences come into effect this yea…
Finance
Digital Pound: What the Bank of England's CBDC Plans Mean for You
An in-depth National Herald investigation into digital pound.…
Finance
Crypto in 2025: Has Bitcoin Finally Grown Up?
After cycles of boom and bust, cryptocurrency is maturing as an asset class — but risks remain significant and…
Finance
Crypto in 2025: After the Storm, What Remains?
Following the collapses and scandals of 2022–23, the cryptocurrency industry is rebuilding — but on very diffe…
Analysis
English Premier League Finances: The Arms Race That Nobody Can Win
National Herald analysis of english premier league finances: the arms race that nobody can win.…
Finance
FTSE 100 at Record High: The Sectors Driving Britain's Market Renaissance
British equities are outperforming their European peers for the first time in a decade. National Herald invest…
Technology
Electric Cars in the UK 2025: The Best Models, Charging Costs and Is It Worth Switching?
With ZEV mandates and falling prices, 2025 may be the year to go electric. National Herald's comprehensive gui…
Finance
FTSE 100 Dividend Stocks: The Best Income Investments for UK Investors in 2025
With yields of 4–7% available from blue-chip UK companies, dividend investing has rarely been more compelling.…
Finance
FTSE 100 Hits New Record High as Mining and Energy Stocks Surge
The index closed above 8,800 for the first time, driven by commodity stocks and positive sentiment from US eco…
Politics
How Rishi Sunak's Legacy Is Being Judged One Year On
One year after the historic Conservative election defeat, National Herald assesses Rishi Sunak's record, legac…
Finance
How Britain's Tax System Penalises Work and Rewards Wealth
An in-depth National Herald investigation into how britain's tax system penalises work and rewards wealth.…
Analysis
A Complete History of Britain: From Roman Conquest to the Modern Nation
How one small island became the world's most influential nation — and what that history means for Britain toda…
Finance
How to Invest in Index Funds: A Beginner's Complete Guide for UK Investors
Index fund investing is the most powerful wealth-building strategy available to ordinary savers — here is ever…
Analysis
The British Empire: Rise, Rule and Legacy — A Complete History
At its peak the British Empire covered 24 per cent of the earth. How it was built, how it was lost, and why it…
Economy
How Brexit Has Really Changed UK Food and Drink Four Years On
Four years after the Brexit transition ended, National Herald examines the measurable impact on what Britons e…
Business
How the National Living Wage Rise Is Affecting Small UK Businesses
The National Living Wage increased to £12.21 per hour in April 2025. National Herald examines the real-world i…
Finance
How to Get on the Property Ladder in 2025 With a Small Deposit
Getting on the property ladder with a 5% or 10% deposit is hard but not impossible. National Herald's guide to…
Politics
How Much Do MPs Actually Earn? Salaries, Expenses and Outside Interests
MPs' salaries, expenses, and second incomes remain controversial. National Herald's transparent guide to what …
Technology
Is the UK Tech Sector in Trouble? Inside the London Tech Slowdown
After years of explosive growth, London's tech sector is experiencing a reset. National Herald examines what's…
Analysis
Is Working From Home Killing City Centres? The Evidence After Five Years
Five years after the pandemic transformed working patterns, National Herald examines the long-term consequence…
Finance
Personal Finance in 2025: A Complete Guide to Building Wealth in the UK
From ISAs and pensions to property and equities — a comprehensive guide to growing your money in today's envir…
UK News
Record Numbers of British People Are Leaving for Abroad — Where Are They Going?
Net emigration from the UK by British citizens has reached a fifteen-year high. National Herald investigates t…
Politics
Scotland's New Independence Strategy: What Happened After the 2024 Election
The SNP's disappointing 2024 result forced a rethink of independence strategy. National Herald examines where …
Finance
State Pension UK 2026: New Amounts, Triple Lock and How to Check Your Entitlement
The State Pension rose by 4.1% in April 2026. Here is what you will receive and how to maximise your entitleme…
Finance
State Pension 2026: New Rates, Changes, and Who Qualifies
The new state pension rate for 2026-27 has been confirmed. National Herald explains the triple lock, who quali…
Finance
Stamp Duty UK 2026: Rates, First-Time Buyer Relief and How to Calculate Your Bill
The stamp duty thresholds reverted in April 2025. Here are the current SDLT rates and how to calculate your bi…
Business
UK Small Business Grants 2026: Free Funding Available Right Now
Unlike loans, grants do not need to be repaid. Here are the main grants available to UK small businesses in 20…
Finance
Stock Market Basics: Everything a UK Beginner Needs to Know
An in-depth National Herald investigation into stock market basics.…
Finance
Tax Reform: What Britain Can Learn From Estonia's Digital Tax System
National Herald analysis of tax reform: what britain can learn from estonia's digital tax system.…
Finance
Tackling Tax Avoidance: Why Every Government Promises and Fails
National Herald analysis and reporting on tackling tax avoidance: why every government promises and fails.…
Finance
Stamp Duty for First-Time Buyers 2026: Thresholds, Relief, and What You'll Pay
Stamp duty thresholds changed in April 2026. National Herald explains exactly how much stamp duty first-time b…
Finance
Stamp Duty Reform: The Property Tax Change That Could Unlock the Housing Market
National Herald analysis and reporting on stamp duty reform: the property tax change that could unlock the hou…
History
The Battle of Waterloo 1815: Napoleon's Defeat and Britain's Century of Supremacy
On 18 June 1815, the Duke of Wellington and his allied forces broke Napoleon's Grande Armée and ended twenty y…
History
The British Empire: Rise, Reach and the Reckoning With Its Legacy
At its peak in 1920, the British Empire covered a quarter of the world's land surface and governed a quarter o…
History
The Tudor Dynasty: From Bosworth Field to the Golden Age of Elizabeth I
The Tudors ruled England from 1485 to 1603 and transformed it through the Reformation, the break with Rome and…
Finance
The Best ISA Rates in 2025 and How to Make the Most of Your Allowance
With the annual ISA allowance of £20,000 and rates at multi-year highs, this is the guide to making the most o…
Health
The NHS App Revolution: How Digital Healthcare Is Transforming Your Doctor's Surgery
The NHS app now has 33 million registered users. National Herald examines how digital tools are changing the G…
Economy
The UK Jobs Market in 2025: Which Sectors Are Hiring and Which Are Cutting
Employment data tells a complex story — record vacancies in some sectors, redundancies in others. National Her…
UK News
The UK's Food Bank Explosion: How 3,000 Emergency Food Services Changed Britain
Britain now has more food banks than McDonald's restaurants. National Herald traces the rise of emergency food…
Economy
The UK's Fastest Growing Cities in 2025 and What's Driving Them
While London dominates, several regional cities are growing faster than the capital. National Herald maps the …
Finance
The Complete Guide to Working Tax Credit and Child Tax Credit in 2025
Legacy tax credits are being replaced by Universal Credit, but millions still receive them. National Herald ex…
Finance
The Complete Guide to Inheritance Tax in the UK — and How to Legally Reduce Your Bill
Inheritance tax raises more money than ever — but many estates pay more than they need to. National Herald's g…
Economy
The UK's Fastest-Growing Careers and How to Retrain for Them
Some sectors are experiencing chronic skill shortages while others contract. National Herald maps the fastest-…
Education
The UK Private School VAT: What It Means for Families and the State Sector
The removal of VAT exemption from private school fees is reshaping the education landscape. National Herald ex…
Business
The UK Postal Service Crisis: Why Royal Mail Is Struggling and What Comes Next
Royal Mail deliveries have declined as letter volumes collapse. National Herald examines the company's struggl…
UK News
The State of British Roads: Why Potholes Are Getting Worse and What Councils Can Do
Britain's roads are deteriorating faster than they can be repaired. National Herald examines why the pothole c…
Finance
The Bank of England's Most Difficult Decision in a Decade
With inflation falling but growth stalling, the Monetary Policy Committee faces a dilemma with no good answer.…
Economy
The Real Reason Britain Has a Housing Shortage — and Why It Won't Be Fixed Quickly
Britain needs 4 million new homes over the next decade. Building them faces obstacles that go far beyond plann…
Technology
The UK Cyber Security Threat: Which Businesses Are Most at Risk in 2025
UK businesses reported record cyber attack attempts in 2024. National Herald examines which sectors face the g…
Education
UK Apprenticeships 2026: The Best Programmes, Pay, and How to Apply
Apprenticeships in 2026 offer routes into some of Britain's best careers without university debt. National Her…
Finance
The Truth About Buy Now Pay Later: What UK Consumers Need to Know
Buy Now Pay Later services are used by millions of Britons, but new regulations are coming. Here is what the r…
Economy
The Cost of Living Crisis: How Britain's Households Are Really Doing
Official statistics tell one story. The lived experience of millions of families tells another. We examine the…
Economy
The Cost of Living: Where Are We Now?
Two years after the crisis peak, household finances are recovering — but the gains are deeply uneven.…
UK News
The Complete Guide to Council Tax Reductions and Who Qualifies
Millions of people are entitled to council tax reductions they are not claiming. National Herald's guide to di…
Technology
The UK Electric Vehicle Charging Network: Is It Good Enough?
Britain's public charging network has grown rapidly, but coverage remains patchy. National Herald's regional a…
UK News
The UK's Best Free Things to Do This Summer — A Region-by-Region Guide
With household budgets stretched, National Herald compiles the best free events, parks, museums, and activitie…
Analysis
The UK Arts and Culture Funding Crisis: Which Organisations Are Closing
Arts Council England's funding decisions have closed theatres, galleries, and arts organisations across the co…
Technology
The AI Revolution: How Artificial Intelligence Is Changing Every Industry
From healthcare to finance, logistics to education — artificial intelligence is transforming how work gets don…
Finance
The Bank of England's Rate Decision: What Every Investor Needs to Know
With inflation finally returning to target, the pace of rate cuts will define investment returns across every …
Finance
The FTSE 250: Britain's Hidden Gems for Long-Term Investors
While the FTSE 100 gets all the attention, the FTSE 250 has consistently outperformed over long periods — and …
UK News
The Best Cheap UK Holiday Destinations for 2025 — Better Than Going Abroad
With overseas travel costs rising, the UK's own holiday destinations offer remarkable value. National Herald's…
Finance
The Great Wealth Transfer: What Happens When Boomers Pass Down Their Assets
An in-depth National Herald investigation into the great wealth transfer.…
Health
The NHS Dentistry Crisis: Why Millions of Britons Cannot Get NHS Dental Care
An estimated 10 million people in England are unable to access NHS dental care. National Herald investigates t…
Education
The Complete Parent's Guide to UK Schools: Ofsted, SATs and Getting the Best Education
Navigating the UK school system can be bewildering. National Herald's comprehensive guide for parents — from s…
Analysis
The UK's Ageing Population Crisis: Preparing for a Society With More Old People Than Young
By 2040, one in four Britons will be over 65. National Herald examines what this demographic shift means for p…
Finance
The End of Cash? Britain's Journey to a Digital Payment Society
A National Herald deep-dive into the end of cash? britain's journey to a digital payment society.…
Analysis
The Full Story Behind Britain's Record Net Migration — What the Numbers Actually Mean
Record net migration headlines obscure a complex picture. National Herald's forensic breakdown of who is comin…
Finance
The Inheritance Tax Debate: Fairness, Family, and the Future of Wealth Transfer
National Herald analysis of the inheritance tax debate: fairness, family, and the future of wealth transfer.…
Finance
The Pension Crisis Nobody Is Talking About
Millions of self-employed and gig economy workers are sleepwalking towards retirement poverty. The system is f…
Finance
The Pension Crisis: Are British Workers Saving Enough for Retirement?
An in-depth National Herald investigation into the pension crisis.…
Business
Trade Finance and British SMEs: Unlocking Export Growth
An in-depth National Herald investigation into trade finance and british smes.…
Finance
The Super-Rich and Britain: How the Ultra-Wealthy Are Reshaping London
National Herald analysis and reporting on the super-rich and britain: how the ultra-wealthy are reshaping lond…
Finance
The Rise of Sustainable Investing: ESG in British Portfolios
An in-depth National Herald investigation into the rise of sustainable investing.…
Finance
Child Benefit UK 2026: Rates, High Income Tax Charge and How to Claim
Child Benefit rates increased in April 2026 and the High Income Charge threshold was raised. Here is everythin…
Finance
Bank of England Holds Rates at 4.25% as Inflation Concerns Persist
The MPC voted 6-3 to hold, with three members pushing for an immediate cut as the economy shows signs of slowi…
Economy
UK House Prices 2025: Where to Buy, Where to Avoid, and What Comes Next
A city-by-city analysis of the UK property market in 2025 — with our correspondents' assessment of where value…
Economy
UK Inflation Update: Is the Cost of Living Crisis Truly Over?
Headline inflation has returned to near target, but the cost of living crisis has left permanent marks on hous…
Finance
UK Mortgage Rates 2026: When Will They Fall and What to Do Now
With base rate cuts continuing, mortgage rates are falling. Here is what borrowers need to know.…
Finance
UK Interest Rate Forecast 2026: When Will the Bank of England Cut Again?
Markets expect two more Bank of England cuts in 2026. National Herald analyses the inflation data, economic ou…
Finance
UK Mortgage Rates 2026: Should You Fix Now or Wait?
With the Bank Rate at 3.75% and cuts expected, UK homeowners face a critical decision. National Herald analyse…
Finance
UK Interest Rate Decision: What the Bank of England's Move Means for You
The Bank of England's latest rate decision affects mortgages, savings, and the wider economy. National Herald …
Finance
UK Pension Changes 2025: What Every Worker Needs to Know Now
Changes to auto-enrolment, the state pension, and pension tax relief are coming. National Herald explains what…
Finance
UK Property Market 2025: Buy, Sell or Hold?
After two years of price correction, the UK housing market is showing signs of stabilisation — but regional di…
Finance
UK Retirement Planning 2026: How Much You Need and How to Get There
How much is enough to retire comfortably in the UK? The answer depends on your lifestyle, location, and how yo…
Finance
UK Personal Tax Allowances and Thresholds 2026-27: Everything You Need to Know
The personal allowance stays frozen at £12,570 for 2026-27. National Herald sets out all the income tax thresh…
Finance
State Pension Age Increases: When Will You Get Yours and What Changes Are Coming
The state pension age is 66 now, rising to 67 between 2026 and 2028. National Herald explains who is affected,…
Finance
UK Pension Auto-Enrolment 2026: Are You Saving Enough for Retirement?
Millions of UK workers are auto-enrolled into workplace pensions — but the minimum contributions may not be en…
Education
UK Student Loan Repayment: The New Rules and What Graduates Owe
The student loan system was overhauled in 2023 with higher thresholds and longer terms. National Herald explai…
Business
US Tariffs on UK Goods 2026: What British Businesses Need to Know
The US has imposed new tariffs on UK exports. National Herald explains which sectors are most affected, what g…
UK News
Universal Credit Changes 2025: The Updates Every Claimant Must Know
The DWP has announced several changes to Universal Credit this year. Here is what every current and potential …
Business
Why London's Luxury Property Market Is Attracting Global Investors Again
After two years of price falls, prime London property is attracting renewed international interest. National H…
Health
Vaping and Teen Health: What UK Parents Really Need to Know in 2025
Teen vaping rates have reached alarming levels in the UK. National Herald examines the health evidence and wha…
Health
Understanding Your NHS Rights: What You're Entitled to as a Patient in England
Most NHS patients do not know their full rights. National Herald's guide to what you are legally entitled to —…
Business
What Really Happened to Britain's High Streets — A Ten-Year Post-Mortem
National Herald's definitive account of how the British high street transformed over the past decade, what was…
Education
University Funding Crisis: What Happens When the Numbers Stop Adding Up
English universities are losing money on home undergraduates, dependent on international students, and facing …
Analysis
Why Are British Workers the Most Stressed in Europe? The Evidence
British workers report among the highest rates of workplace stress in Europe. National Herald examines the cau…